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NWG 
Natwest Group PLC (NWG)
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Upturn Advisory Summary
12/02/2025: NWG (5-star) is a STRONG-BUY. BUY since 26 days. Simulated Profits (7.98%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15.88
1 Year Target Price $15.88
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 91.82% | Avg. Invested days 60 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 67.80B USD | Price to earnings Ratio 9.77 | 1Y Target Price 15.88 |
Price to earnings Ratio 9.77 | 1Y Target Price 15.88 | ||
Volume (30-day avg) 2 | Beta 0.93 | 52 Weeks Range 8.69 - 16.93 | Updated Date 12/2/2025 |
52 Weeks Range 8.69 - 16.93 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 1.14% | Basic EPS (TTM) 1.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.57% | Operating Margin (TTM) 52.53% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 13.88% |
Valuation
Trailing PE 9.77 | Forward PE 9.08 | Enterprise Value 20849209344 | Price to Sales(TTM) 4.36 |
Enterprise Value 20849209344 | Price to Sales(TTM) 4.36 | ||
Enterprise Value to Revenue 1.44 | Enterprise Value to EBITDA - | Shares Outstanding 4000526949 | Shares Floating 7993334610 |
Shares Outstanding 4000526949 | Shares Floating 7993334610 | ||
Percent Insiders - | Percent Institutions 4.79 |
Upturn AI SWOT
Natwest Group PLC
Company Overview
History and Background
Natwest Group PLC, formerly The Royal Bank of Scotland Group, was founded in 1968 through the merger of National Provincial Bank and Westminster Bank. It has evolved through acquisitions and restructurings, including government bailouts during the 2008 financial crisis.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including current accounts, savings, mortgages, and personal loans.
- Commercial Banking: Offers financial solutions to businesses, including lending, transaction services, and risk management.
- Private Banking: Delivers wealth management services to high-net-worth individuals and families.
- NatWest Markets: Provides wholesale banking services, including fixed income, currencies, and capital markets products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive directors. The organizational structure includes various divisions, such as retail banking, commercial banking, and wealth management, each headed by its respective executive team.
Top Products and Market Share
Key Offerings
- Mortgages: Offers residential mortgages. Competitors include Lloyds Banking Group, Barclays, and HSBC. Market Share in UK Mortgage Market estimated at 11.2 % in 2023.
- Business Loans: Provides loans and financing to small and medium-sized enterprises (SMEs). Competitors include HSBC, Santander, and Lloyds. No official revenue estimate available publicly.
- Current Accounts: Offers personal and business current accounts. Competitors include Barclays, Lloyds, and Monzo. No official revenue estimate available publicly.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies, regulatory changes, and evolving customer expectations. Interest rates and economic conditions significantly impact profitability.
Positioning
Natwest Group PLC holds a significant position in the UK banking market, leveraging its established brand, extensive branch network, and diverse product offerings. Its competitive advantages include its strong capital base and focus on customer service.
Total Addressable Market (TAM)
The UK banking market has an estimated value of $140 Billion in 2023. Natwest Group PLC is positioned with respect to this TAM by capitalizing on digital capabilities, and expansion in the SME and Wealth Management markets.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network in the UK
- Diversified product offerings
- Strong capital base
- Improving digital capabilities
Weaknesses
- Legacy IT systems
- High operating costs relative to fintech competitors
- Reputational risks from past misconduct
- Limited international presence compared to peers
- Dependence on the UK economy
Opportunities
- Expansion of digital banking services
- Growth in wealth management business
- Increased lending to SMEs
- Strategic acquisitions to expand market share
- Leveraging open banking initiatives
Threats
- Increased competition from fintech companies
- Regulatory changes and compliance costs
- Economic downturn in the UK
- Cybersecurity risks
- Brexit-related uncertainties
Competitors and Market Share
Key Competitors
- BCS
- HSBC
- LYG
Competitive Landscape
Natwest competes primarily on its established UK presence and diverse services. It faces challenges from more agile fintechs and larger global players like HSBC. Differentiation through customer service and digital transformation is key.
Major Acquisitions
FreeAgent
- Year: 2018
- Acquisition Price (USD millions): 53
- Strategic Rationale: Acquired FreeAgent, a cloud-based accounting software provider, to offer integrated services to its SME clients and enhance its digital banking platform.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trajectory data not directly available for Natwest Group PLC's performance in the US stock market. As ADR, it trades based on its performance in UK market
Future Projections: Future projection data not directly available for Natwest Group PLC's performance in the US stock market. As ADR, it trades based on its performance in UK market
Recent Initiatives: Recent initiatives data not directly available for Natwest Group PLC's performance in the US stock market. As ADR, it trades based on its performance in UK market
Summary
Natwest Group PLC is a major player in the UK banking market with a strong brand and a diversified business model. Its main challenges stem from legacy systems and competition from fintech companies. Future growth hinges on its ability to leverage digital technologies and improve efficiency. Investors should monitor its performance in the UK market and macro-economic factors as it is traded as an ADR in the US stock market
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis reports
- Financial news articles
- Market research data
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Natwest Group PLC
Exchange NYSE | Headquaters - | ||
IPO Launch date 2007-10-18 | Group CEO & Executive Director Mr. John-Paul Thwaite | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 59100 | Website https://www.natwestgroup.com |
Full time employees 59100 | Website https://www.natwestgroup.com | ||
NatWest Group plc, together with its subsidiaries, provides banking and financial products and services in the United Kingdom and internationally. It operates through Retail Banking, Private Banking, Commercial & Institutional segments. The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services. The Private Banking segment provides banking, lending, and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment consists of customer businesses under business banking, commercial mid-market, and corporates and institutions; and offers banking operations services in the Channel Islands, Isle of Man, Gibraltar, and Luxembourg, as well as products and solutions for businesses comprising start-ups, corporates, and large institutions. The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020. NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
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